XRP — purpose-built for cross-border payments. 4-second settlement on the XRP Ledger, fee under a cent, no KYC at our end.
XRP settles in 4-10 seconds on the XRP Ledger with sub-cent fees. Originally designed for cross-border bank transfers, it works just as well for funding a virtual card. The XRPL uses a federated consensus model (no mining) so transactions are deterministic — when consensus closes, the transaction is final, no re-org risk.
XRP deposits require a destination tag (sometimes called "memo"). The dashboard shows both the address and the tag — both are required. Send WITHOUT the destination tag and the funds may not credit your account, requiring manual intervention.
Most wallets and exchanges have a separate field for the tag — it's typically a numeric string. Always paste both before sending.
Contact support via the in-dashboard ticket system. Recovery is possible but manual and slow. Always include the tag.
Many exchanges and services share a single XRP receiving address across all customers and route deposits internally by the tag. CryptoTopCard uses the same model.
XRP has hard finality at ledger close (~4 seconds). We credit immediately after the ledger closes confirming the tx.
$5 equivalent. Also note: XRP reserves require a minimum 1 XRP balance in any XRPL account, but this is handled by exchange withdrawals automatically.
Yes — Ledger and Trezor both support XRP natively, including destination tag support.
Pick a BIN above, top up with any of 20 cryptocurrencies, and your card is ready to use the moment the deposit confirms.